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111 SE 8th Ave
Fort Lauderdale, FL 33301
Florida Homes Mortgage
Florida's Trusted Mortgage Experts
🏆 #1 Florida's Real Estate Broker. 🏠 We Find the Home 💰 We Find the Loan 🛡️ We Insure..
Ready to explore one of our exceptional properties in person? Complete the form and Miguel Garcia will reach out within 24 hours to arrange a private showing at your convenience.
🏆 #1 Florida's Real Estate Broker. 🏠 We Find the Home 💰 We Find the Loan 🛡️ We Insure..
We guide Florida families through every step of the home buying process, from pre-approval to closing day, so you can buy with confidence and peace of mind. We work for you, not the banks, shopping multiple lenders to save you thousands of dollars over the life of your home loan.
We help Florida homeowners sell faster and for top dollar by pricing your home strategically, staging it for success, and marketing to qualified buyers. We help you avoid costly seller mistakes like overpricing, skipping repairs, or accepting the wrong offer — mistakes that leave thousands of dollars on the table.
We help Florida families with less-than-perfect credit qualify for mortgages they never thought possible, with programs designed for real people with real challenges. We compare rates from over 200 banks, credit unions, and wholesale lenders to find you the lowest rate and best terms.
Trusted by 1,000+ families
Fast response, no waiting
Mortgage broker connections
Welcome to Florida Homes & Mortgage. I've helped hundreds of families like yours buy their dream homes in Miami, Doral, Brickell, Coral Gables, and across Florida. Buying a home is one of the biggest investments you'll ever make—both emotionally and financially. You deserve a trusted professional by your side.
With 25 years of experience, I understand the importance of trust, respect, and personalized attention. Every member of your family will be treated with honor and respect throughout the entire process.
Estimate your monthly mortgage payment including taxes and insurance.
Calculate Now →See how much you could save by refinancing your current mortgage.
Calculate Savings →A buyer without an agent would need extensive knowledge of real estate transactions to effectively negotiate a contract and navigate closing. Most buyers aren't equipped for this. That's why I'm here—to represent YOUR interests, not the seller's.
When you sign an Exclusive Buyer Representation Agreement, you guarantee that your agent follows a strict code of ethics—working only for YOU, not both sides. It's your protection and your advantage.
Buying directly from a builder will cost you thousands of dollars. Builders build marketing fees into their budgets specifically for buyer brokers. If you go alone, that money stays with the builder—not in your pocket.
I've seen too many buyers close dissatisfied because they didn't have an advocate watching out for their interests. Don't let that be you.
Move in ready with brand new everything—no plumbing, electrical, or AC issues.
Choose finishes, upgrades, and layouts that match your style.
Protection against unexpected issues after you move in.
Check your credit report before you buy a home. Your credit score is the most important factor lenders consider when determining your interest rate. A small mistake on your credit report could cost you thousands.
Shopping for a home without pre-approval is like shopping for clothes without knowing how much money is in your wallet. Get pre-approved first, then shop with confidence.
Being pre-approved gives you a market edge. When a seller has two identical offers, the buyer with pre-approval almost always wins.
Application, origination, credit check fees
Verifies the home's value
Smart investment to uncover issues
Insurance premiums and property taxes
Lower your interest rate by paying upfront
Smart protection for such a big investment
The Florida insurance market is in crisis. Many carriers have left the state, making coverage harder to find and more expensive. I'll help you navigate this and ensure your new home is insurable at a cost you can afford.
New reform laws took effect in 2025 to stabilize the market, but working with an experienced local agent is essential. Let me guide you.
The first step is free. Get pre-approved today and let's find your dream home in Miami.
Don't pay another dollar in rent. Let's make your dream of homeownership a reality!
"They made buying our first home so easy. Everything was explained clearly, we got a great rate, and closed in 21 days. We couldn't be happier!"
"I was self‑employed and thought I couldn't get a loan. Florida Homes Mortgage found a bank statement program and saved me $500/month. They're miracle workers!"
"They helped me refinance to a lower rate and took cash out for renovations. They were available nights and weekends. Truly the best in South Florida."
A few minutes, a few clicks, up to 5 competing mortgage quotes
Complete our 60-second application with basic information
Verify your email and get matched with a loan specialist
Receive loan options and start your home search
Sign documents and get the keys to your new home
Lowest rates. Fast approvals. Personalized service.
Your local mortgage broker serving Miami Dade • Broward County • Palm Beach County and More.
"We've helped thousands of families achieve their dream of homeownership. Now it's YOUR turn."
Are you ready to step into your future? Whether it's your first home, a new investment, or a cozy upgrade, securing the right mortgage is the first step. But don't wait – rates are changing fast, and so are your opportunities!
🎁 Exclusive Offer
Fill out the form NOW and unlock special rates and benefits only available to those who act quickly.
Don't let the perfect home slip through your fingers because you hesitated. With just a few clicks, you could be on your way to a brighter tomorrow.
Your future is waiting. Click below to fill out the form and get started! You won't believe how easy it is to make your dream home a reality.
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🏠 We Find the Home 💰 We Find the Loan 🛡️ We Insure.
🔥 Why Work with Three When One Does It All?
🏆 Florida's #1 Broker. 25+ years experience.
📞 Work with the Best and Nothing Less. Just Miguel.
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